(ARA) - As the old saying goes "a man's home is his castle." The benefits of owning a home are many, including financial security. While a home mortgage is good for your financial stability, refinancing for a better mortgage than you originally qualified for can benefit your finances even more.

Here are a few reasons for refinancing your mortgage and using your home to your advantage:

* Lower Your Monthly PaymentsRefinance to get a lower interest rate, which lowers your monthly payments, or simply change the type of loan you have or both. With rates changing so frequently, homeowners cannot afford to not consider refinancing. Why pay more when you don't have to?

* Relax with Stability If you purchased your home with a 3- or 5-year Adjustable Rate Mortgage (ARM), when the loan period is up, the interest rate will go up to the current rate or higher. This means your mortgage payment will also go up, possibly as much as $300 per month or more.

Homeowners with these types of loans can eliminate their worries just by refinancing to a fixed-rate mortgage. The key is not waiting until the last minute to do so. Don't risk ruining your credit or losing your home. Shop around for quotes today.

* Put Cash in Your Pocket With Cash-Out Refinancing you can use the equity in your home to borrow the money you need to do whatever you wish. It's cash in your pocket -- pay bills, buy a car or take a trip! Another plus here is the interest rates are usually lower than home equity loans and second mortgages.

* Debt Management Made Easy When you have equity in your home you have options. You can use the cash to consolidate your debt and pay it off faster with one monthly payment. The interest rate on home equity loans is typically much lower than credit cards and the additional advantages are endless. You can lower your monthly payments, pay off debt faster, and put money in your pocket. Another plus: the interest on a home equity loan is usually tax deductible.

There are many lending institutions available to help with your mortgage refinance, and finding the right one for you can seem challenging. But NationalHomeSavings.com offers a free service that matches borrowers with qualified lending professionals. Based on information you provide, they match you to the four most appropriate lenders based on your financial situation. Once matched, your information is sent to the lender and you will be contacted within one business day.

Find out what mortgage is best for you and who the best lenders are in your area. Log on to www.NationalHomeSavings.com and start refinancing today.